Saka, kana mumwe munhu akabvunza mubvunzo uyu, "Iwe unoita mari sei pamwe chete nemari ?," ivo vari kubvunza mibvunzo mitatu yakabatana uye inobatanidza: "Munotenga sei mutengo wemari ?," uye "Ndeipi nzira yakanaka yekukura mari yangu nemari pamwe chete ?, "uye" Ndezvipi mari yekubatana ndiyo ndiyo yakanakisisa yekukura mari yangu? " Uye iyo ndiyo mibvunzo mitatu yakakosha pamusoro pekutsvaga mari mune mutual funds yatichasangana nayo pano:
Kutenga Mutual Funds
Kutenga mutengo wemari kune zvisiri nyore asi pane zvishoma zvinotora matanho ekutora kutanga usati wazvitenga. Chokutanga, unoda kuziva chinangwa chekutsvaga kwako. Ichi chinangwa chinotsanangurwa sechinangwa chekutsvaga mari , icho chinonyanya kuratidza zvikonzero zvako zvekutenga mari pamwe chete uye zvaunoda kuti ivo vakuitirei pane kungoita mari chete. Mienzaniso yezvinangwa zvekutsvaga mari inosanganisira kuchengetedza dzidzo kana kubhadhara.
Mushure mokuziva chinangwa chako chekutsvaga mari, pamwe chete nemamwe mashoma anokosha ekutsvaga mutengo wemari unotsanangurwa pasi apa, unogona kutanga sarudzo yekuti iwe unowedzera kupi mune mari pamwe chete.
Ichi chisarudzo chinotanga nechisarudzo chokuzviisa iwe pachako kana kushandisa shanduri . Nenzira yakanaka, mutual funds zviri nyore zvakakwana kutenga mari uye kutenga pasina rubatsiro rwemugadziri wekutsvaga nezvekutsinhanisa kana wekutengesa mari. Uye sezvo uri kuverenga nyaya ino, iwe unogona kunge wakanamatira kune iwe-iyo-iwe nzira yave ikozvino.
Tichifunga kuti unoda kuita mari yako nemari pamwe chete pasina mupi wezano, unogona kuisa mune imwe yekambani yepamusoro-ye-mutual mutual fund makambani , akadai saVanguard, Fidelity, uye T. Rowe Price, kana kuti kuburikidza nemudzidzi wekutengesa saCharles Schwab kana Scottrade. Hapana-mutoro wemari inowanzoita kuti iwe-ivo-iwe pachavo vatengesi nokuti vanowanzova nemari yakaderera, iyo inogona kushandura pakuita mari yakawanda pamwe chete nemari inowanikwa munguva refu, ichienzaniswa nemari inodhura mari.
Kana wapedza kuzarura kambani, iyo inogona kunge iri imwe yekwereti yekwereti, kambani yekubatanidza kubhadharwa, kana imwe Individual Retirement Account (IRA), iyo nzira chaiyo yekutenga chikwereti chimwe chete inowanzobatanidza kupindira mune account yako paIndaneti, kusarudza mutual fund iwe unoda, nekuita basa racho, iro rinowanzoreva chimwe chema dollar. Ramba uchiyeuka kuti mari yakawanda yekutengeserana inoshandisa zvishoma zvishoma kutenga mari inodarika $ 1 000. Mushure mokutenga kokutanga, iwe unogona kutenga zvishoma se $ 100 inokosha ye mutual fund share panguva.
Maitiro Akanakisisa
Kana iwe uchida kuita mari pamwe chete nemari, imwe yenhare yako huru ndiyo nguva. Sezvo mari yemubatanidzwa inogona kuchinja uye ichidzika mumutengo, kukosha kwekutsvaga kwako kunogona kukwira nekudzika uye uku kuchinja kunonyanya kutaurwa munguva pfupi.
Somuenzaniso, matambudziko ekugadzira mari pamwe chete nemari imwe chete mumusika mumwe chete mumusika inenge inokonzerwa nemari yemari; kugadzira mari pamusoro pegore rimwe chete kwakakwirira kudarika makumi mashanu kubva muzana kubva muzana asi asi gamba; asi kugadzira mari pamwe chete nemari yakawanda kwenguva yakareba, kunyanya makore gumi kana kupfuura yakareba kupfuura 90%.
Saka nzira yakanakisisa yekuita mari nemari yekutengeserana haisi mubhadharo yekushandisa mari kana munguva yekutora asi nekugara kwenguva refu. Sezvo shoko iri richiti, "nguva mumusika inopfuura nguva yekutengesera." Uye pamwe chete nekutenga-uye-kubata nzira yekutengeserana mari , iwe uchafanira kuramba uchitenga chikamu chemari yako yakasarudzwa panguva yekubata. Taura zviri nyore, iwe unoita mari yakawanda pamwe chete nemari apo iwe unowedzera mari kune zvikamu zvako. Uye paunotenga zvikamu nenguva, zvakadai kamwe kamwe pamwedzi, iwe uchaita chimwe chinhu chinonzi dollar-mari inoshandiswa, iyo inogonawo kubatsira kukura mari yako munguva.
Kusarudza Mari Yakanakisisa
Izvo zvakanakisisa mari yemari yekuita mari ndeyokuti iwe unonzwa wakasununguka kubata, kunyange kana yemusika inowira. Iwe unoziva sei kuti mari ipi yakakunakira iwe? Iwe unogona kutanga nekuongororwa kwekutambudzika kwako kwengozi nechimwe chinhu chinonzi mutezo wekubvumira kushungurudzika. Izvi zvichaona kuti unogona sei kutora pasina kutengesa zvikamu mukutya.
Kana wakaziva chinangwa chako chekutsvaga, sezvinokurukurwa muNhanho Rimwe pamusoro, uye iwe unoziva kushivirira kwako kune ngozi, unogona kusarudza mari yakanakisisa iwe. Chaizvoizvo, iwe uchatora mari iyo inogona kuwana zvakanyanya pasina kutora njodzi yakawanda zvokuti iwe haunzwisisi.
Muchidimbu, nzira yakanakisisa yekuita mari pamwe chete nemari ndeye kushandisa nguva sevayidi yako (kuisa mari pakutanga), ramba uchitenga zvikamu nguva dzose, uye uve nehasha sezvaunokwanisa kunze kwekurasikirwa nehope usiku uchinetseka pamusoro pemusika wekutengesa. Kana ukangotarisa bhora richifambisa kuisa mari mumutengo wemari, unogona kurega chikwereti chako chichiita basa iwe uchienda paupenyu hwako.
Iye zvino mava kugadzirira kuvaka puroforeti yemari pamwe chete !